You know about the typical personal insurance types: life, auto, home, and health. But have you ever considered adding additional insurance that could save you headaches that your typical personal insurance policy doesn't consider? A personal umbrella insurance policy provides you with additional protection on the liability portion of certain types of insurance, as well as extending lawsuit coverage to situations that aren't covered by any other type of personal insurance.

The expansion of liability coverage extends the amount that is covered by the insurance company whenever you have a claim filed against your insurance. It generally expands the coverage given by your car insurance and home insurance. This is particularly useful if you live in an area that is known for higher priced cars or more property related incidents in general. Instead of hitting the limits of your insurance and paying out of pocket for the rest, the personal umbrella policy keeps you protected.

The second part of this type of umbrella policy is protection that isn't given by other types of insurance. It helps you out against landlord liability, false arrest, slander, emotional distress, and libel. This is an all-inclusive policy that takes a wide range of potential situations under consideration. While you hope that none of these issues ever affect you, it's always better to be safe than sorry.

If you aren't sure where to start when it comes to personal umbrella insurance, talk to our experienced insurance agents about the options available for you. They'll let you know exactly what is covered, how the claim process proceeds, and other important information dealing with the umbrella coverage.

When you are involved in an accident in Northampton, PA, it can change the details of your insurance coverage. Although you may be able to maintain some of the basic coverage on your policy, you should expect some alterations to your premium and certain details of your policy.

What is Negligence?

Negligence refers to actions or behaviors that lead to an accident because you were not paying attention to the road. It may mean that you were distracted because you were eating, putting on makeup, shaving, using a cell phone or otherwise engaged in activities that take your attention away from driving.

Even though Northampton, PA requires no-fault coverage and liability protection, it is your responsibility to pay for any damages when you caused the accident. Your liability coverage will often pay for the situation, but you should expect some alterations to your policy.

Changes to Coverage

If you have coverage for collisions, then your policy will usually pay for the damages to your car after an accident. You should expect your premium to increase after you cause an accident and you may see some changes to your coverage. In some cases, your insurance provider may put exceptions into your policy or you may lose some coverage that was provided due to a good driving history. You may also lose some of the discounts that were previously applied to your policy.

There are several ways that your policy and coverage may be impacted by an accident that you caused. Depending on the insurance coverage that you have purchased, the changes that you can expect will vary. To learn more about your options, contact us to speak to an agent today.

Motorcycle accidents can leave you with deep personal injuries and expensive motorcycle repairs, which is why the state of PA makes motorcycle insurance a requirement for drivers. If you are looking for insurance in Allentown, you must have at least the minimum amount required for bodily injury and for property damage to others. This is meant to both protect you and others from harm and bodily injury.

At present, the minimum motorcycle insurance required by law in PA is $5,000 property damage, $15,000 for injury to one individual, and $30,000 for injuries to more than one individual in a single accident. While these are the minimum rates, we recommend that you purchase higher levels of insurance to provide peace of mind, to protect your bike, or to protect your own self in the event of an accident. The minimum rates do not necessarily offer enough coverage to protect you fully in the event of an accident. Regardless of whether you ride with a helmet or without a helmet, our insurance agents can help you obtain at least the minimum amount of coverage.

Of course, raising the amount of coverage you have means that you will also have to pay a higher monthly premium for insurance coverage in Allentown. Our agents can help you find a balance between having enough coverage to protect yourself in the event of an accident and keeping your monthly payments rates affordable.

We offer insurance for motorcycles in Allentown. We may be able to help you bundle motorcycle insurance with auto or other types of insurance to save money. It can be helpful to speak with one of our motorcycle insurance specialists to find out more information about the minimum amount of motorcycle insurance you need under Pennsylvania law.

Pennsylvania is an expansive state with rustic small towns, thriving metropolitan areas, and everything in between. You might have picked up your recreational vehicle for traveling across the country, but all of the distinct regions in this state alone will keep you busy for quite some time.

If you have a motorized RV, it’s important to get the proper insurance so all the integral parts are covered, not just the automobile aspects of the RV. You typically have many aspects of a house in a comfortable RV, so it’s important that you consider those when you’re getting insurance as well.

We’re more than happy to help you find the best RV insurance quotes so you are properly protected for your trip. When you get in touch with us, we talk to a variety of companies to find out the best way to protect your RV.

Some typical features of RV insurance include insuring the contents of the RV, so that if they are lost, damaged, or stolen you don’t have to pay out of pocket to replace your items. Trip insurance is another feature so you don’t have to cancel your road trip because you are unable to stay in your RV due to damage.

RV insurance also functions as typical auto insurance, so you have coverage if you get in an accident. The basic coverage handles your financial liability, but you can also add on collision and comprehensive RV coverage additionally.

Need help understanding exactly what you need from your RV insurance quotes? Give us a call to talk with our experienced independent agents about your Bethlehem, PA RV insurance needs.

When you look at insurance for your home, automobile, or health, you want to figure out the best agents to go through for signing up. Insurance companies offer many services, but finding out exactly which company is the best for you depends on many factors.

One of the most important factors to keep in mind is whether the insurance company has a licensed in Pennsylvania. A license means that the company has gone through the requirements of the state to do business, so your insurance policy is considered legally valid and sound. If you pick up insurance from an unlicensed insurance agency and something happens to your home, you may end up not being able to make the claim because of the legal invalidity.

Another thing to keep in mind when looking at insurance companies is the type of rates that they have access to. An independent agency has a better selection range between insurance companies, as they are not locked into a single provider. This allows the company to provide more than enough options for those seeking insurance, as well as having other options for finding hard to place insurance situations.

Look into the payment options available as well. It’s ideal to have access to convenient payment options such as online pay, instead of having to send in a check or do payments over the phone. In addition, look into the online account management system if they offer one to see whether that meets your needs from an insurance company.

Finally, online insurance quotes help you to find out some of the rate information yourself. Find insurance companies that make this available to potential customers to you know how they stack up against your other options in black and white.

Recognizing your options and the potential expense of protecting your motorcycle in Bethlehem, PA can be an important part of finding the right policy. Your needs and goals can depend on several factors, but you should usually start searching for a policy based on the minimum standards. Motorbike insurance is required in Pennsylvania, but the exact coverage that you need can exceed the minimum state standards.

Policy You Select

The policy that you purchase will be an important part in determining the cost of coverage. Generally, a simple plan that meets the state standards for liability protection will cost less than a comprehensive plan because the amount of risk is reduced.

A comprehensive plan focuses on providing coverage for a variety of situations. It will pay for the damages to your personal vehicle as long as the situation is covered by the policy. It may not pay for every situation, so adding coverage can be necessary if you are worried about collisions or excluded details in the policy.

Your Historical Information

Along with the details regarding the policy that you want to purchase, your historical data is also important. If you have a good driving and riding history, then you can expect lower rates. The same is true if you have an excellent credit history because it suggests that you have a lower risk. Although historical data does not mean you will never make a claim, it does give the company a good idea about the way that you drive. If you take safety measures, then your risk of an accident is lower.

There are a variety of options available to protect your motorcycle, so you should always compare your options to get the best rates. Contact us to talk to an agent today for more information.

Recreational vehicles come in all shapes and sizes, from the tow along campers to the Class A motorhomes that are built off of a bus chassis. Because RV coverage has to encompass such a wide range of different vehicles, the maximum value depends significantly on what type of RV you have. In addition, RV coverage doesn’t just look into the physical damage that it may cause or receive. Instead, it also covers things like the kitchen inside of a motorhome and your vacation supplies, such as clothing and other travel essentials.

Your recreational vehicle coverage may also provide protection if you tow your car behind your RV, although that depends primarily on the type of policy you get. Sometimes your auto insurance may also cover the car when it’s towed.

RV insurance also varies with the premium depending on if you are using the vehicle all year round, or if you only take it out during the vacation months. If it’s stored and not being used a significant portion of the year, you get a discount on the coverage price. This is an important part of the policy to look over, as it can significantly affect the price that you end up paying for your RV insurance.

Find quotes from independent agents in Emmaus, PA online for your recreational vehicle needs. RV coverage is an important part in giving you the peace of mind to properly enjoy your vacation, and it’s even more relaxing when you can simply check out quotes through your computer instead of calling around to every insurance company you can think of.

As a renter in PA, you are wise to secure renters insurance, regardless of what your rental living situation is like. In any situation where you rent the space where you live, you are solely responsible for protecting your property with insurance coverage.

Many people assume that their landlord’s homeowner’s policy will provide coverage for not just the building but also everything within it. In fact, the homeowner’s policy held by your landlord will protect only the physical structure of the home itself in cases where a renter is living in the building.

A renter’s insurance policy is designed to cover all of your personal possessions. Generally this will cover all your property of nearly any type (for example clothes, furniture, books, electronics, and jewelry) but will it will exclude vehicles (for example, if you have a motorbike inside your rental home it needs to be covered by a separate auto insurance policy.)

There are a number of ways in which your property might become damaged or your property could be destroyed or stolen. Renter’s insurance will cover the great majority of these circumstances. While renter’s policies do vary from company to company and from one policy to another, most of them will cover perils such as:

• Fire damage
• Lightning damage
• Wind storm damage
• Ice damage
• Damage due to explosions or explosion debris
• Smoke damage
• Vehicle damage (if not caused by your own vehicle)
• Vandalism
• Theft
• Electrical system malfunction damages
• Damage due to water leaks

In most renter’s policies, there are also other specific types of loss or damage that will be covered. It is important that you review your policy fully with your agent to gain the best understanding of your coverage.

It’s easy to find the best coverage for your budget by comparing insurance quotes with Saucon Insurance Agency! We are available online or by phone to give you policy quotes and answer questions anytime.

Boat insurance is an important part of protecting your asset, but it is not a legal requirement in Allentown, PA. The state does not have a minimum standard that you must follow to protect other boaters or yourself, but that does not mean it is not wise to seek coverage for your asset.

Liability Plans

Generally, you should obtain some protection against liability concerns because there is always a risk of injuries that can take place on your boat or that you may cause in an accident. Recognizing the risk and taking measures to protect against the situation can help you avoid unnecessary financial strife.

Although it is wise to purchase a policy, it is not required by the state. You will not need proof of insurance when you register a new boat and the state does not have any minimum standards related to liability protection.

Additional Coverage

Any additional coverage that exceeds liability is a personal choice. You can purchase coverage to pay for damages to your boat in case a fire, storm or other situation arises that causes damage to your boat. You may also want to consider coverage against injuries if you are injured while fishing or using the boat for an outing.

The details of any plan can vary, so you may want to read the policy thoroughly before you determine that is appropriate for your goals and concerns. The best plans will depend on your personal preferences and concerns.

State laws may impact your insurance options, but it is not a direct concern when you are purchasing a boat. The state does not have minimum compliance standards, so you can purchase a plan that suits your goals and preferences. To learn more, contact us to talk to an agent today.

Business owners in the Northampton PA area might already know that insurance coverage of some type is necessary, but not everyone knows very much about the details of commercial insurance plans for businesses in Pennsylvania. Essentially, this type of insurance plan is designed for protection of your company, and it will accomplish this is several different ways.

First, commercial insurance coverage will be your company’s primary legal protection from lawsuits and other legal actions. If one of your customers claimed that they were injured while they were on your property (or even while they were using a product you made while not on your property) they could potentially be awarded a very award in court. Your commercial coverage is there to pay for those costs, as long as they are proven to be legitimate damages in court.

In the event that a person tries to claim false damages, your insurance company will defend you to prove that you (and by extension, your insurance company) don’t owe any damages since the claim is not legitimate.

The majority of business owners who seek out commercial coverage also need to get property coverage. This is often included as one of the main parts of your commercial policy, and it will cover not only the land and buildings where your business is, but will also cover all your business equipment (and anything else that is on your business property.)

Many business owners also have employees, and for those people worker’s compensation insurance is usually included within the commercial policy. The state of Pennsylvania does require that company owners have this type of coverage, so it is dual protection: It protects your company and it keeps you legal.

Don’t get caught without the level of commercial insurance coverage you need. Instead, you can easily compare quotes with our Saucon Insurance Agency representatives in just minutes. We can help you find out the options you need to ensure your company and your employees stay safe and secure.